HomeTrust Bancshares, Inc. operates as the bank holding company for HomeTrust Bank that provides a range of retail and commercial banking products and services. More Details
Flawless balance sheet with limited growth.
Share Price & News
How has HomeTrust Bancshares's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: HTBI is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 4% a week.
Volatility Over Time: HTBI's weekly volatility (4%) has been stable over the past year.
7 Day Return
1 Year Return
Return vs Industry: HTBI exceeded the US Banks industry which returned 59.1% over the past year.
Return vs Market: HTBI exceeded the US Market which returned 35.9% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is HomeTrust Bancshares's share price compared to the market and industry in the last 5 years?
Simply Wall St News
2 months ago | Simply Wall StHomeTrust Bancshares' (NASDAQ:HTBI) Dividend Will Be Increased To US$0.08
3 months ago | Simply Wall StCan You Imagine How HomeTrust Bancshares' (NASDAQ:HTBI) Shareholders Feel About The 82% Share Price Increase?
4 months ago | Simply Wall StDid HomeTrust Bancshares, Inc. (NASDAQ:HTBI) Insiders Buy Up More Shares?
Is HomeTrust Bancshares undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: HTBI ($26.33) is trading above our estimate of fair value ($19.36)
Significantly Below Fair Value: HTBI is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: HTBI is poor value based on its PE Ratio (27x) compared to the US Banks industry average (10.8x).
PE vs Market: HTBI is poor value based on its PE Ratio (27x) compared to the US market (18x).
Price to Earnings Growth Ratio
PEG Ratio: HTBI is poor value based on its PEG Ratio (1.4x)
Price to Book Ratio
PB vs Industry: HTBI's PB Ratio (1.1x) is in line with the US Banks industry average.
How is HomeTrust Bancshares forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: HTBI's forecast earnings growth (19.4% per year) is above the savings rate (2%).
Earnings vs Market: HTBI's earnings (19.4% per year) are forecast to grow faster than the US market (14.9% per year).
High Growth Earnings: HTBI's earnings are forecast to grow, but not significantly.
Revenue vs Market: HTBI's revenue (1.5% per year) is forecast to grow slower than the US market (9.2% per year).
High Growth Revenue: HTBI's revenue (1.5% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: HTBI's Return on Equity is forecast to be low in 3 years time (7.1%).
How has HomeTrust Bancshares performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: HTBI has a large one-off loss of $24.2M impacting its June 30 2021 financial results.
Growing Profit Margin: HTBI's current net profit margins (10.4%) are lower than last year (17.9%).
Past Earnings Growth Analysis
Earnings Trend: HTBI's earnings have grown by 19.6% per year over the past 5 years.
Accelerating Growth: HTBI's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: HTBI had negative earnings growth (-30.6%) over the past year, making it difficult to compare to the Banks industry average (34.3%).
Return on Equity
High ROE: HTBI's Return on Equity (4%) is considered low.
How is HomeTrust Bancshares's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Financial Institutions Analysis
Asset Level: HTBI's Assets to Equity ratio (8.9x) is low.
Allowance for Bad Loans: HTBI has a sufficient allowance for bad loans (273%).
Low Risk Liabilities: 94% of HTBI's liabilities are made up of primarily low risk sources of funding.
Loan Level: HTBI has an appropriate level of Loans to Assets ratio (77%).
Low Risk Deposits: HTBI's Loans to Deposits ratio (91%) is appropriate.
Level of Bad Loans: HTBI has an appropriate level of bad loans (0.5%).
What is HomeTrust Bancshares's current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: HTBI's dividend (1.22%) isn’t notable compared to the bottom 25% of dividend payers in the US market (1.31%).
High Dividend: HTBI's dividend (1.22%) is low compared to the top 25% of dividend payers in the US market (3.54%).
Stability and Growth of Payments
Stable Dividend: Whilst dividend payments have been stable, HTBI has been paying a dividend for less than 10 years.
Growing Dividend: HTBI's dividend payments have increased, but the company has only paid a dividend for 3 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (31.8%), HTBI's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: HTBI's dividends in 3 years are forecast to be well covered by earnings (16.8% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Dana Stonestreet (67 yo)
Mr. Dana L. Stonestreet has been Director of HomeTrust Bank since 2008 and served as President until October 28, 2020. Mr. Stonestreet has been Chief Executive Officer of HomeTrust Bancshares, Inc. and Hom...
CEO Compensation Analysis
Compensation vs Market: Dana's total compensation ($USD1.04M) is below average for companies of similar size in the US market ($USD1.72M).
Compensation vs Earnings: Dana's compensation has been consistent with company performance over the past year.
Experienced Management: HTBI's management team is seasoned and experienced (6.2 years average tenure).
Experienced Board: HTBI's board of directors are considered experienced (5.2 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
HomeTrust Bancshares, Inc.'s company bio, employee growth, exchange listings and data sources
- Name: HomeTrust Bancshares, Inc.
- Ticker: HTBI
- Exchange: NasdaqGS
- Founded: 1926
- Industry: Regional Banks
- Sector: Banks
- Market Cap: US$434.151m
- Shares outstanding: 16.49m
- Website: https://www.htb.com
Number of Employees
- HomeTrust Bancshares, Inc.
- 10 Woodfin Street
- North Carolina
- United States
HomeTrust Bancshares, Inc. operates as the bank holding company for HomeTrust Bank that provides a range of retail and commercial banking products and services. Its deposit products include savings, money ...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/07/31 06:28|
|End of Day Share Price||2021/07/30 00:00|
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.